The target of national student loans is undergraduates, junior college students and graduate students with real financial difficulties in full-time colleges and universities. Its main preferential policies are: first, there is no guarantee, and second, the central or provincial finance will give you half of the preferential treatment. Students with repayment ability can negotiate with the bank to repay the loan principal and interest in advance, including one-time and installment repayment of the loan principal and interest. Usually, students can start repaying loans after graduation. For students with financial difficulties, they can apply for a two-year extension to start repayment, that is, the repayment time will start from the second year after graduation at the latest, and two students will be suspended from school in accordance with the loan contract. If the economy is really difficult, you can apply to the handling bank for deferred repayment. Compared with explaining the reasons for suspension and providing corresponding supporting documents, the specific procedures can only be carried out after the handling bank. If you don't repay on time without approval, it will have a negative impact on integrity.

Second, how to repay the student loan?

Log in to the student loan repayment system of China Development Bank, click the repayment option, and then transfer the money to Alipay for donation. You can apply every month from 1 month to 10.

Third, how to calculate the repayment of student loans?

When you are still studying, you don't have to pay interest for one year after graduation. Wait until the interest rate is 6.55% one year later, and then repay the loan at the bank or branch. The student loan for three years after college 18000 yuan, and only the interest on the student loan is paid for the first two years after graduation, with the interest rate of 6.55%. When only the interest is paid in the previous two years, the quarterly interest payable is = 65,438+08,000× 6.55% ÷ 4 = 294.75 yuan. If the loan is repaid in advance, the handling bank will calculate the interest according to the actual term of the loan, and will not charge any other fees except the interest payable. Interest on prepayment of student loan = loan amount, corresponding annual interest rate, loan days /360. According to this formula, the corresponding interest can be calculated. Interest rate: The interest rate of student loans is subject to the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies, and will not rise. At present, the annual interest rate of the loan is: one to three years (inclusive): 6.15%; Three to five years (inclusive): 6.40%; More than five years: 6.55%.

Fourth, how to repay the student loan?

1. Bank repayment: users can bring personal bank cards, identity documents and other materials to the bank outlet where the loan is located to receive the Application Form for Repaying the Student Loan, fill it out and give it to the staff before repaying the student loan;

2. Online repayment: Users can choose to prepay on the student loan information website of China Development Bank, and then add corresponding information. Every month, the lender will repay the student loan through the bank card account bound by the user.

The above is the repayment method of student loan.

Pay off the student loan within a few years after graduation.

Student loans should be paid off in full within six years after graduation. Because according to the regulations of financial institutions that issue student loans, students who apply for student loans should pay off all debts within 6 years after graduation. This also shows that the borrowing period of the national student loan should not exceed 6 years after graduation. Under normal circumstances, fresh graduates will repay the interest according to the loan cycle from September 1 of the graduation year. The borrower began to repay the principal and interest two years later. According to the relevant national regulations, the normal repayment deduction date of student loans is 65438+February 20th every year.